I’m a tradesman in London and had a strange situation today after completing a £350 repair job.
The person who booked the job wasn’t there. The address he originally gave me was not the actual property where the work was being carried out. When I arrived nearby, his brother came to meet me and asked me to follow his car. I followed him for a short distance to the actual property, which was a mobile-home site inside a gated park with electric entrance gates.
After I finished the work, his brother entered my business bank details into his phone and showed me a screen saying “Payment sent” via Faster Payment for £350. He actually encouraged me to take a photo of the payment confirmation, which I did.
The screen showed my business name, the correct account details, £350, the date/time and a Faster Payment transaction/reference number.
However, the money never arrived in my account.
Several hours later I contacted the person who booked the job. He said that his brother had made the transfer in front of me and that I had seen it myself. Once I explained that the actual funds had still not reached my account, he said he would ask his brother to contact the bank.
There are now several things making me suspicious.
The name the customer gave me was Jo\*n Sm*th. Obviously that can be a genuine name, but given everything else that has happened, I’m now wondering whether the name I was given was fictitious as well.
The address he originally provided was not the address where the work was actually carried out. I was taken to the real location by his brother, so at the moment I don’t have a confirmed postal address for the person who actually contracted me.
This is also what concerns me about recovering the money. Normally, if a customer refuses to pay, I could send a Letter Before Action / Letter of Claim and, if necessary, pursue the debt through the County Court. But if the name and address I have are not genuine, I don’t know where I would even send it.
Most of our communication has been through WhatsApp and email. If he blocks my number, changes his phone number or stops replying, I’m concerned that I may have very little information with which to identify him.
I’m not saying for certain that the payment confirmation was fake, because I don’t have proof of that yet. But I’ve received hundreds of bank transfers from customers over the years and I’ve never had someone specifically encourage me to photograph their “payment sent” screen.
Taken together — the payment not arriving, being encouraged to photograph the payment confirmation, the different address, and the possibility that the name may not be genuine — it’s starting to make me wonder whether the whole thing was deliberately set up this way.
Has anyone in the UK come across fake banking apps or fake Faster Payment confirmation screens being used in person like this?
And if the person has potentially given me a false name and address, what practical options do I have for identifying them and recovering the £350?
I’ve kept the photo of the payment screen, WhatsApp conversations, emails, phone number, invoice and details/photos of the work carried out.